Navi ELSS Tax Saver Fund

Q: What are the returns of this mutual fund scheme?

The Navi ELSS Tax Saver Fund is a 10 yrs 2 m old fund and has delivered average annual returns of 10.8% since inception. Navi ELSS Tax Saver Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 3.69% 11.99% 10.86% 11.32% 10.8%

Q: How much does this mutual fund charge as expense ratio?

The Navi ELSS Tax Saver Fund has an expense ratio of 2.29% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹28.3523-1.77% 1 day change	10.8% p.a.	App exclusive #NA View Ranked Funds	₹53 Cr

Historical NAV & returns

NAV: ₹28.3523 as on Feb 02, 2026

This fund Category average

Navi ELSS Tax Saver Fund overview

AUM (Fund size)	₹53 Cr
Exit load	0%
Lock-in Period	3 Years
Age	10 yrs 2 m since Nov 09, 2015
Benchmark	NIFTY 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.29% as on Feb 02, 2026
Plan type	Regular
Risk	Very High
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Navi ELSS Tax Saver Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Asset allocationas on Dec 31, 2025

Large Cap 50.47%

Mid Cap 33.71%

Small Cap 15.41%

Other Cap 0%

Top holdings

Reliance Industries Ltd.5.48%

Axis Bank Ltd.4.66%

UPL Ltd.4.54%

Bharti Airtel Ltd.3.96%

Top sectors

Financial 27.710000000000004%

Technology 10.15%

Healthcare 9.53%

Consumer Staples 8.96%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Bifurcation by Holding is not available for this fund

Allocation by Instruments

Cash/Net Current Assets 0.39999999%

Other Holdings

Others 0.4%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Navi ELSS Tax Saver Fund	-5.51%	0.47%	3.69%	11.99%	10.86%	11.32%
SBI ELSS Tax Saver Fund	-4.03%	1.2%	7.03%	22.96%	19.07%	15.9%
HDFC ELSS Tax Saver Fund	-3.92%	1.12%	9.5%	20.39%	19.23%	15.65%
Parag Parikh ELSS Tax Saver Fund	-4.08%	-2.6%	2.31%	14.99%	16.37%	11.86%
DSP ELSS Tax Saver Fund	-3.89%	2.46%	9.72%	19.42%	17.14%	16.87%
Franklin India ELSS Tax Saver Fund	-4.69%	-1.98%	3.8%	17.3%	15.72%	13.93%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Navi ELSS Tax Saver Fund	12.78	0.95	0.52	0.78
SBI ELSS Tax Saver Fund	12.9	0.96	1.24	1.95
HDFC ELSS Tax Saver Fund	10.97	0.83	1.24	2.04
Parag Parikh ELSS Tax Saver Fund	9.45	0.69	0.95	1.49
DSP ELSS Tax Saver Fund	12.91	0.97	1.0	1.81
Franklin India ELSS Tax Saver Fund	12.32	0.94	0.91	1.34

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Navi ELSS Tax Saver Fund	N.A.	53 Cr	10 yrs 2 m	2.29%
SBI ELSS Tax Saver Fund	N.A.	32,609 Cr	18 yrs 8 m	1.57%
HDFC ELSS Tax Saver Fund	N.A.	17,163 Cr	30 yrs 1 m	1.7%
Parag Parikh ELSS Tax Saver Fund	N.A.	5,915 Cr	6 yrs 6 m	1.72%
DSP ELSS Tax Saver Fund	N.A.	17,609 Cr	19 yrs 2 m	1.64%
Franklin India ELSS Tax Saver Fund	N.A.	6,693 Cr	26 yrs 9 m	1.83%

View all Elss funds

Key risk & return ratios Compared to other funds in the category

Alpha	-2.85 vs. 6.46 Underperformed at beating benchmark
Sharpe	0.52 vs. 5.08 Poor risk-adjusted returns
Beta	0.95 vs. 0.97 Less sensitive to market ups & downs
Standard deviation	12.78 vs. 12.69 More volatile performance

Compare Navi ELSS Tax Saver Fund in detail with

About this fund

About Navi ELSS Tax Saver Fund

Navi ELSS Tax Saver Fund is a ELSS mutual fund scheme from Navi Mutual Fund. This fund has been in existence for 10 yrs 2 m, having been launched on 09/11/2015. Navi ELSS Tax Saver Fund has ₹53 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Navi ELSS Tax Saver Fund as of 02/02/2026 is ₹28.35. The fund has an expense ratio of 2.29%, which is higher than what most other Elss funds charge.

Navi ELSS Tax Saver Fund returns of last 1-year are 2.81%. Since launch, it has delivered 10.87% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Navi ELSS Tax Saver Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund has the majority of its money invested in Financial, Technology, Healthcare, Consumer Staples, Capital Goods sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The fund's top 5 holdings are in Reliance Industries Ltd., Axis Bank Ltd., UPL Ltd., Bharti Airtel Ltd., Ashok Leyland Ltd..

...

Fund AUM	53 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Aditya Mulki

Mr. Mulki is a CFA and B.COM Prior to joining Navi Mutual Fund, he has worked for close to 6 years at Quantum Advisor Ltd as an Equity Research Analyst.

Ashutosh Shirwaikar

Mr. Shirwaikar has done MMS and CFA Prior to joining Navi MF, he has worked with Quantum AMC and ICICI Bank

Investment objective

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income generation along with the benefit of income tax deduction (under Section 80 C of the Income Tax Act, 1961) on their investments.

Navi Mutual Fund details

No. of schemes	14 view all schemes
Total AUM	8,959 Cr as on Dec 31, 2025
Address	7th Floor, Wing B, Prestige RMZ Startech, No. 139, 2, Hosur Rd Koramangala Industrial Layout, S.G. Palya. Bangalore, 560095
Email	mf@navi.com
Phone	+91 80 4511 3444 / 1800-103-8999

More funds from Navi Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Navi Nasdaq100 US Specific Equity Passive FoF	N.A.	1,061 Cr	26.69%	N.A.
Navi Total Stock Market US Specific Equity Passive FoF	N.A.	955 Cr	22.08%	N.A.
Navi Nifty Midcap 150 Index Fund	N.A.	359 Cr	7.71%	N.A.
Navi Large & Midcap Fund	N.A.	315 Cr	2.02%	13.57%
Navi Nifty India Manufacturing Index Fund	N.A.	52 Cr	13.05%	N.A.
Navi Flexi Cap Fund	N.A.	263 Cr	4.94%	11.95%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Navi ELSS Tax Saver Fund?

The current Net Asset Value (NAV) of the Navi ELSS Tax Saver Fund plan is approximately ₹28.3523 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Navi ELSS Tax Saver Fund is a 10 yrs 2 m old fund and has delivered average annual returns of 10.8% since inception.

Navi ELSS Tax Saver Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
3.69%	11.99%	10.86%	11.32%	10.8%

How much does this mutual fund charge as expense ratio?

The Navi ELSS Tax Saver Fund has an expense ratio of 2.29%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Navi ELSS Tax Saver Fund currently has assets under management (AUM) or fund size valued at approximately 53 Cr as on Dec 31, 2025.

What are the top stock holdings of Navi ELSS Tax Saver Fund?

The Navi ELSS Tax Saver Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
Reliance Industries Ltd.	5.48%
Axis Bank Ltd.	4.66%
UPL Ltd.	4.54%
Bharti Airtel Ltd.	3.96%
Ashok Leyland Ltd.	3.89%
State Bank of India	3.88%
The Federal Bank Ltd.	3.87%
ICICI Bank Ltd.	3.44%
Persistent Systems Ltd.	3.42%
Sun Pharmaceutical Industries Ltd.	3.4%

What are the top sectors Navi ELSS Tax Saver Fund has invested in?

The Navi ELSS Tax Saver Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	27.710000000000004%
Technology	10.15%
Healthcare	9.53%
Consumer Staples	8.96%
Capital Goods	7.120000000000001%
Energy	6.680000000000001%
Automobile	5.37%
Chemicals	5.27%
Services	5.23%
Metals & Mining	4.9%

What is risk level of Navi ELSS Tax Saver Fund?

This is a Elss fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 3 years.

How can I redeem my investments in Navi ELSS Tax Saver Fund?

Redeeming your investments in the Navi ELSS Tax Saver Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in ELSS

#NA

Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 10.49% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.